{"id":11821,"date":"2024-08-28T15:05:21","date_gmt":"2024-08-28T13:05:21","guid":{"rendered":"https:\/\/ssrei.ch\/?p=11821"},"modified":"2024-08-28T16:06:09","modified_gmt":"2024-08-28T14:06:09","slug":"une-question-a-antje-horvath-responsable-de-lassurance-assurance-immobiliere-soleure","status":"publish","type":"post","link":"https:\/\/ssrei.ch\/fr\/une-question-a-antje-horvath-responsable-de-lassurance-assurance-immobiliere-soleure\/","title":{"rendered":"Une question \u00e0 Antje Horvath, responsable de l&rsquo;assurance, Assurance immobili\u00e8re Soleure"},"content":{"rendered":"<h5>Madame Horvath, dans le cadre du r\u00e9chauffement climatique, les catastrophes naturelles se multiplient \u00e9galement \u2013 et la situation devrait encore s&rsquo;aggraver. La Suisse est-elle arm\u00e9e pour y faire face ? Qu&rsquo;est-ce que cela signifie pour les assurances immobili\u00e8res ?<\/h5>\n<p>Comme l&rsquo;a rapport\u00e9 le journal t\u00e9l\u00e9vis\u00e9 de la SRF le 3.7.2024, un peu plus de 60% des b\u00e2timents en Suisse ne sont pas suffisamment prot\u00e9g\u00e9s contre les inondations. Cela correspond \u00e0 environ 1,3 million de b\u00e2timents d&rsquo;une valeur \u00e0 neuf de 2300 milliards de CHF. En temps normal, les \u00e9coulements de surface sont sur\u00e9lev\u00e9s de 5 \u00e0 10 cm, explique Olivia Romppainen, co-directrice du Laboratoire Mobili\u00e8re de recherche sur les risques naturels \u00e0 l&rsquo;universit\u00e9 de Berne, dans son article. Mais cela suffit d\u00e9j\u00e0 \u00e0 inonder les caves et les parkings souterrains.<\/p>\n<p><a ref=\"magnificPopup\" href=\"https:\/\/ssrei.ch\/wp-content\/uploads\/2024\/08\/Grafik-1-DE-und-FR.png\"><img loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-11805 size-large\" src=\"https:\/\/ssrei.ch\/wp-content\/uploads\/2024\/08\/Grafik-1-DE-und-FR-1024x623.png\" alt=\"\" width=\"1000\" height=\"608\" srcset=\"https:\/\/ssrei.ch\/wp-content\/uploads\/2024\/08\/Grafik-1-DE-und-FR-1024x623.png 1024w, https:\/\/ssrei.ch\/wp-content\/uploads\/2024\/08\/Grafik-1-DE-und-FR-300x183.png 300w, https:\/\/ssrei.ch\/wp-content\/uploads\/2024\/08\/Grafik-1-DE-und-FR-150x91.png 150w, https:\/\/ssrei.ch\/wp-content\/uploads\/2024\/08\/Grafik-1-DE-und-FR-329x200.png 329w, https:\/\/ssrei.ch\/wp-content\/uploads\/2024\/08\/Grafik-1-DE-und-FR-600x365.png 600w, https:\/\/ssrei.ch\/wp-content\/uploads\/2024\/08\/Grafik-1-DE-und-FR-200x122.png 200w, https:\/\/ssrei.ch\/wp-content\/uploads\/2024\/08\/Grafik-1-DE-und-FR-246x150.png 246w, https:\/\/ssrei.ch\/wp-content\/uploads\/2024\/08\/Grafik-1-DE-und-FR.png 1382w\" sizes=\"auto, (max-width: 1000px) 100vw, 1000px\" \/><\/a><\/p>\n<p>Source : <a href=\"https:\/\/www.hochwasserrisiko.ch\/fr\" target=\"_blank\" rel=\"noopener\">www.hochwasserrisiko.ch<\/a><\/p>\n<p>&nbsp;<\/p>\n<p>La simple quantit\u00e9 de b\u00e2timents menac\u00e9s par ce risque peut entra\u00eener des dommages consid\u00e9rables et des co\u00fbts de remise en \u00e9tat \u00e9lev\u00e9s. Ce sont des co\u00fbts qui doivent \u00eatre support\u00e9s par les assurances immobili\u00e8res et, par la suite, par les propri\u00e9taires immobiliers via les primes.<\/p>\n<p><a ref=\"magnificPopup\" href=\"https:\/\/ssrei.ch\/wp-content\/uploads\/2024\/08\/Box_FR.png\"><img loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-11822 size-large\" src=\"https:\/\/ssrei.ch\/wp-content\/uploads\/2024\/08\/Box_FR-1024x297.png\" alt=\"\" width=\"1000\" height=\"290\" srcset=\"https:\/\/ssrei.ch\/wp-content\/uploads\/2024\/08\/Box_FR-1024x297.png 1024w, https:\/\/ssrei.ch\/wp-content\/uploads\/2024\/08\/Box_FR-300x87.png 300w, https:\/\/ssrei.ch\/wp-content\/uploads\/2024\/08\/Box_FR-150x43.png 150w, https:\/\/ssrei.ch\/wp-content\/uploads\/2024\/08\/Box_FR-400x116.png 400w, https:\/\/ssrei.ch\/wp-content\/uploads\/2024\/08\/Box_FR-600x174.png 600w, https:\/\/ssrei.ch\/wp-content\/uploads\/2024\/08\/Box_FR-200x58.png 200w, https:\/\/ssrei.ch\/wp-content\/uploads\/2024\/08\/Box_FR-250x72.png 250w\" sizes=\"auto, (max-width: 1000px) 100vw, 1000px\" \/><\/a><\/p>\n<p>En plus des co\u00fbts de r\u00e9paration des dommages, les propri\u00e9taires de biens immobiliers doivent \u00e9galement faire face \u00e0 des d\u00e9penses pour les travaux. C&rsquo;est pourquoi les risques naturels sont importants pour la valeur de rendement d&rsquo;un bien immobilier.<\/p>\n<p>Il est d\u00e9sormais question d&rsquo;exiger la protection des objets, par exemple la mise en place de barri\u00e8res d&rsquo;eau ou le rehaussement des soupiraux. Ainsi, certaines assurances immobili\u00e8res s&rsquo;engagent d\u00e9j\u00e0 dans la pr\u00e9vention des dommages naturels. Ils soutiennent les propri\u00e9taires de b\u00e2timents dans la planification de mesures de protection des objets et participent financi\u00e8rement \u00e0 la mise en \u0153uvre des mesures correspondantes.<\/p>\n<p>Les connaissances que j&rsquo;ai pu acqu\u00e9rir dans le cadre de mon activit\u00e9 au sein du comit\u00e9 de contr\u00f4le SSREI co\u00efncident avec les d\u00e9clarations faites dans le reportage de la SRF : le risque de dommages n&rsquo;a que tr\u00e8s rarement \u00e9t\u00e9 trait\u00e9 de mani\u00e8re syst\u00e9matique. Lors de l&rsquo;\u00e9valuation de l&rsquo;inventaire selon SSREI, les propri\u00e9taires sont d\u00e9sormais invit\u00e9s \u00e0 le faire. Les r\u00e9sultats de l&rsquo;\u00e9valuation permettent enfin de d\u00e9duire les mesures de pr\u00e9vention n\u00e9cessaires.<\/p>\n<p>&nbsp;<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"size-medium wp-image-11807 alignleft\" src=\"https:\/\/ssrei.ch\/wp-content\/uploads\/2024\/08\/Antje-Horvath-300x227.jpg\" alt=\"\" width=\"300\" height=\"227\" srcset=\"https:\/\/ssrei.ch\/wp-content\/uploads\/2024\/08\/Antje-Horvath-300x227.jpg 300w, https:\/\/ssrei.ch\/wp-content\/uploads\/2024\/08\/Antje-Horvath-1024x774.jpg 1024w, https:\/\/ssrei.ch\/wp-content\/uploads\/2024\/08\/Antje-Horvath-132x100.jpg 132w, https:\/\/ssrei.ch\/wp-content\/uploads\/2024\/08\/Antje-Horvath-265x200.jpg 265w, https:\/\/ssrei.ch\/wp-content\/uploads\/2024\/08\/Antje-Horvath-529x400.jpg 529w, https:\/\/ssrei.ch\/wp-content\/uploads\/2024\/08\/Antje-Horvath-200x151.jpg 200w, https:\/\/ssrei.ch\/wp-content\/uploads\/2024\/08\/Antje-Horvath-198x150.jpg 198w\" sizes=\"auto, (max-width: 300px) 100vw, 300px\" \/>A propos de la personne : Antje Horvath est responsable des assurances \u00e0 l&rsquo;Assurance immobili\u00e8re de Soleure. Auparavant, elle a dirig\u00e9 le centre Minergie du canton de Zurich. Madame Horvath est membre du comit\u00e9 de contr\u00f4le SSREI et a contribu\u00e9 de mani\u00e8re d\u00e9terminante \u00e0 la d\u00e9termination des indicateurs d&rsquo;\u00e9valuation concernant les th\u00e8mes environnementaux ainsi que les dangers naturels.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Madame Horvath, dans le cadre du r\u00e9chauffement climatique, les catastrophes naturelles se multiplient \u00e9galement \u2013 et la situation devrait encore s&rsquo;aggraver. La Suisse est-elle arm\u00e9e pour y faire face ? Qu&rsquo;est-ce que cela signifie pour les assurances immobili\u00e8res ? Comme l&rsquo;a rapport\u00e9 le journal t\u00e9l\u00e9vis\u00e9 de la SRF le 3.7.2024, un peu plus de 60%&#8230;<\/p>\n","protected":false},"author":5,"featured_media":10695,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[9],"tags":[],"class_list":["post-11821","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-non-classifiee"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.2 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Une question \u00e0 Antje Horvath, responsable de l&#039;assurance, Assurance immobili\u00e8re Soleure - SSREI<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/ssrei.ch\/fr\/une-question-a-antje-horvath-responsable-de-lassurance-assurance-immobiliere-soleure\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Une question \u00e0 Antje Horvath, responsable de l&#039;assurance, Assurance immobili\u00e8re Soleure - SSREI\" \/>\n<meta property=\"og:description\" content=\"Madame Horvath, dans le cadre du r\u00e9chauffement climatique, les catastrophes naturelles se multiplient \u00e9galement \u2013 et la situation devrait encore s&rsquo;aggraver. La Suisse est-elle arm\u00e9e pour y faire face ? Qu&rsquo;est-ce que cela signifie pour les assurances immobili\u00e8res ? Comme l&rsquo;a rapport\u00e9 le journal t\u00e9l\u00e9vis\u00e9 de la SRF le 3.7.2024, un peu plus de 60%...\" \/>\n<meta property=\"og:url\" content=\"https:\/\/ssrei.ch\/fr\/une-question-a-antje-horvath-responsable-de-lassurance-assurance-immobiliere-soleure\/\" \/>\n<meta property=\"og:site_name\" content=\"SSREI\" \/>\n<meta property=\"article:published_time\" content=\"2024-08-28T13:05:21+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2024-08-28T14:06:09+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/ssrei.ch\/wp-content\/uploads\/2023\/11\/Layoutbild.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1000\" \/>\n\t<meta property=\"og:image:height\" content=\"667\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Elodie Gadola\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"\u00c9crit par\" \/>\n\t<meta name=\"twitter:data1\" content=\"Elodie Gadola\" \/>\n\t<meta name=\"twitter:label2\" content=\"Dur\u00e9e de lecture estim\u00e9e\" \/>\n\t<meta name=\"twitter:data2\" content=\"3 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/ssrei.ch\/fr\/une-question-a-antje-horvath-responsable-de-lassurance-assurance-immobiliere-soleure\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/ssrei.ch\/fr\/une-question-a-antje-horvath-responsable-de-lassurance-assurance-immobiliere-soleure\/\"},\"author\":{\"name\":\"Elodie Gadola\",\"@id\":\"https:\/\/ssrei.ch\/#\/schema\/person\/7b00af919b1c488cf92a41df137eb49f\"},\"headline\":\"Une question \u00e0 Antje Horvath, responsable de l&rsquo;assurance, Assurance immobili\u00e8re Soleure\",\"datePublished\":\"2024-08-28T13:05:21+00:00\",\"dateModified\":\"2024-08-28T14:06:09+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/ssrei.ch\/fr\/une-question-a-antje-horvath-responsable-de-lassurance-assurance-immobiliere-soleure\/\"},\"wordCount\":473,\"image\":{\"@id\":\"https:\/\/ssrei.ch\/fr\/une-question-a-antje-horvath-responsable-de-lassurance-assurance-immobiliere-soleure\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/ssrei.ch\/wp-content\/uploads\/2023\/11\/Layoutbild.jpg\",\"articleSection\":[\"Non classifi\u00e9(e)\"],\"inLanguage\":\"fr-FR\"},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/ssrei.ch\/fr\/une-question-a-antje-horvath-responsable-de-lassurance-assurance-immobiliere-soleure\/\",\"url\":\"https:\/\/ssrei.ch\/fr\/une-question-a-antje-horvath-responsable-de-lassurance-assurance-immobiliere-soleure\/\",\"name\":\"Une question \u00e0 Antje Horvath, responsable de l'assurance, Assurance immobili\u00e8re Soleure - 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La Suisse est-elle arm\u00e9e pour y faire face ? Qu&rsquo;est-ce que cela signifie pour les assurances immobili\u00e8res ? 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